The user's Zhima Credit score has not increased for a long time, which may be caused by the following reasons.

1. The user’s credit is in an unstable state.

Sesame score is an evaluation of long-term credit habits. A stable score represents the user's current credit habits. When the user's credit is in a stable state, it is normal for the score not to increase.

When evaluating scores, the system will pay more attention to the recent record of keeping promises and the richness of the data in the behavioral accumulation dimension. If more recently used credit services and behaviors are accumulated, the system will be able to understand the user more easily. credit situation, thus helping to increase your score.

2. Personal information is incomplete.

The user only completed the basic real-name authentication and did not complete other information subsequently. In this way, when the system comprehensively evaluates the user, the information it can obtain is very limited, which affects the final score of the system.

3. Apply for too many credit services.

If a user applies for too many credit cards, online loans and other credit services, the system will consider the user to have over-consumed when evaluating the user's credit, which will lower the system's score for the user.

4. Alipay account activity is low.

Users rarely use Alipay accounts, so there will be fewer historical records in the account. Fewer historical records cannot meet the system’s evaluation needs. In this way, after the evaluation is completed, the user’s Zhima Credit score will not be Increase.

Moreover, recent contract-keeping records and behavioral accumulation are the focus of system review. Recently, users rarely use Alipay accounts, which will directly affect the score of Zhima Credit Score.

Users need to frequently use Alipay accounts for consumption, and use more credit services to enrich contract-keeping behaviors and contract-keeping scenarios. This situation needs to be maintained for a long time, so when evaluating Zhima Credit Score every month, the user’s Credit scores may show an upward trend.

5. Frequently change the bound mobile phone number.

Users frequently change the mobile phone number bound to their Alipay account, which puts their personal information in an unstable state. Unstable personal information will directly affect the evaluation of Zhima Credit Score.

6. Online shopping delays confirmation of receipt and payment.

Users often shop online on Taobao or Tmall, but often delay receiving goods and paying late, which shows that users have poor shopping habits.

Poor shopping habits are not conducive to users’ good behavior accumulation.

7. There is a short-term overdue period.

If the user's Huabei, Borrowed, and reserve funds are temporarily overdue, then a new default record will be added to Zhima Credit.

Although it is a short-term default record, it will also affect the evaluation of Sesame Points.

8. There is no stable source of income.

If the user does not have a stable source of income, then the system will consider that the user's spending power and repayment ability are insufficient, and it will not increase the Zhima score when evaluating the Zhima score.

9. There are too many licensed products from Sesame.

When using other services, users may need to authorize the query of Sesame Credit scores. If there are too many query records, it will have a certain impact on the system evaluation.

10. Sesame points are already in a higher score range.

Credit has relatively stable characteristics. Its accumulation requires a long-term process, and Zhima Credit scores cannot be quickly improved in a short period of time.

The user's Sesame score is already in a higher score range, and it will be more difficult to rise further, and it will last longer.

Online loan big data is a third-party credit inquiry system for lending institutions. It uses big data technology to integrate loan records from various online lending platforms. Using the "Beijian Quick Check" query, you can clearly understand the problems you have with online loan big data. It can accurately, completely and timely solve the problems of online loan big data.

Extended information:

How to collect overdue interest on credit purchases?

After the credit purchase is overdue, overdue interest = overdue amount * number of overdue days * 0.05%.

At the same time, overdue credit purchases will have an impact on the user's personal credit report. It is recommended that users pay off overdue debts as soon as possible to avoid the negative impact from expanding.

The user's credit purchase has expired and needs to negotiate repayment or contact manual customer service. Users can provide feedback directly through the online customer service button.

After providing feedback, dedicated staff will contact the user within 2 working days. Please keep the phone open.

Overdue credit purchases will result in functional restrictions, that is, users can only make repayments and cannot continue to use credit purchases.

After the expiration date, the negative records will be uploaded to Zhima Credit and the People’s Bank of China Credit Information simultaneously.

If the user is unable to repay the loan, he or she can also ask friends to help with the repayment.

Since overdue interest for credit purchases is charged based on the number of days overdue, the shorter the number of days overdue, the less interest you need to pay.

Delaying the repayment time will increase your repayment pressure.